SIP wealth creators

Biggest 3Y SIP wealth creators

What a ₹10,000 monthly SIP started 3Y ago would be worth today, fund by fund. Direct plans, growth option only. Cash-parking categories (overnight / liquid / ultra-short / money-market / floater / arbitrage) are excluded. All figures are split-adjusted (see splits log).

Window: 1Y 3Y 5Y 7Y 10Y

#	Scheme	Category	Invested	Today's value	Multiplier	XIRR
1	Kotak Silver ETF Fund of Fund - Direct Plan - Growth Option Kotak	Fund of Funds - Domestic	₹360,000	₹753,055	2.09×	+54.32%
2	Axis Silver Fund of Fund- Direct Plan-Growth Option Axis	Fund of Funds - Domestic	₹360,000	₹743,880	2.07×	+53.31%
3	UTI Silver ETF Fund of Fund - Direct Plan - Growth Option UTI	Fund of Funds - Domestic	₹360,000	₹742,038	2.06×	+53.10%
4	ICICI Prudential Silver ETF FOF - Direct Plan - Growth ICICI Prudential	Fund of Funds - Domestic	₹360,000	₹741,356	2.06×	+53.03%
5	HDFC Silver ETF Fund of Fund - Growth Option - Direct Plan HDFC	Fund of Funds - Domestic	₹360,000	₹739,812	2.06×	+52.85%
6	Aditya Birla Sun Life Silver ETF FOF-Direct Growth Aditya Birla Sun Life	Fund of Funds - Domestic	₹360,000	₹739,765	2.05×	+52.85%
7	Nippon India Silver ETF FOF- Direct Plan-Growth Option Nippon India	Fund of Funds - Domestic	₹360,000	₹738,799	2.05×	+52.74%
8	DSP World Gold Mining Overseas Equity Omni FoF - Direct Plan - Growth DSP	Fund of Funds - Overseas	₹360,000	₹708,629	1.97×	+49.32%
9	Motilal Oswal Nasdaq 100 Fund of Fund- Direct Plan Growth Motilal Oswal	Fund of Funds - Domestic	₹360,000	₹682,437	1.90×	+46.28%
10	Edelweiss Gold and Silver ETF FOF - Direct Plan - Growth Edelweiss	Fund of Funds - Domestic	₹360,000	₹675,701	1.88×	+45.48%
11	Mirae Asset NYSE FANG + ETF Fund of Fund Direct Growth Mirae Asset	Fund of Funds - Domestic	₹360,000	₹673,731	1.87×	+45.25%
12	Mirae Asset Global X Artificial Intelligence & Technology ETF Fund of Fund - Direct Plan- Growth Mirae Asset	Fund of Funds - Overseas	₹360,000	₹621,534	1.73×	+38.88%
13	ICICI Prudential Strategic Metal and Energy Equity Fund of Fund - Direct Plan Growth ICICI Prudential	Fund of Funds - Overseas	₹360,000	₹616,283	1.71×	+38.22%
14	HSBC Global Emerging Market Fund - Growth Direct HSBC	Fund of Funds - Overseas	₹360,000	₹599,399	1.67×	+36.07%
15	Edelweiss Emerging Markets Opportunities Equity Offshore Fund - Direct Plan - Growth Option Edelweiss	Fund of Funds - Overseas	₹360,000	₹598,955	1.66×	+36.02%
16	Quantum Gold Savings Fund - Direct Plan Growth Option Quantum	Fund of Funds - Domestic	₹360,000	₹596,383	1.66×	+35.69%
17	Mirae Asset S&P 500 Top 50 ETF Fund of Fund Direct Growth Mirae Asset	Fund of Funds - Domestic	₹360,000	₹596,382	1.66×	+35.69%
18	UTI Gold ETF Fund of Fund - Direct Plan - Growth Option UTI	Fund of Funds - Domestic	₹360,000	₹594,741	1.65×	+35.47%
19	Kotak Gold Fund Growth - Direct Kotak	Fund of Funds - Domestic	₹360,000	₹593,885	1.65×	+35.36%
20	Aditya Birla Sun Life Gold Fund - Growth - Direct Plan Aditya Birla Sun Life	Fund of Funds - Domestic	₹360,000	₹592,291	1.65×	+35.16%
21	ICICI Prudential Gold ETF FOF - Direct Plan - Growth ICICI Prudential	Fund of Funds - Domestic	₹360,000	₹591,681	1.64×	+35.08%
22	SBI GOLD FUND- DIRECT PLAN - GROWTH SBI	Fund of Funds - Domestic	₹360,000	₹591,335	1.64×	+35.03%
23	Nippon India Gold Savings Fund - Direct Plan Growth Plan - Growth Option Nippon India	Fund of Funds - Domestic	₹360,000	₹589,695	1.64×	+34.82%
24	Axis Gold Fund - Direct Plan - Growth option Axis	Fund of Funds - Domestic	₹360,000	₹587,976	1.63×	+34.60%
25	Invesco India Gold ETF Fund of Fund - Direct Plan - Growth Invesco	Fund of Funds - Domestic	₹360,000	₹586,643	1.63×	+34.42%
26	DSP World Mining Overseas Equity Omni FoF - Direct Plan - Growth DSP	Fund of Funds - Overseas	₹360,000	₹581,182	1.61×	+33.71%
27	DSP US Specific Equity Omni FoF - Direct Plan - Growth DSP	Fund of Funds - Overseas	₹360,000	₹573,401	1.59×	+32.69%
28	Navi NASDAQ100 US Specific Equity Passive FOF- Direct- Growth Navi	Fund of Funds - Overseas	₹360,000	₹572,755	1.59×	+32.60%
29	ICICI Prudential NASDAQ 100 Index Fund - Direct Plan - Growth ICICI Prudential	Index Fund	₹360,000	₹572,281	1.59×	+32.54%
30	Invesco India - Invesco EQQQ Nasdaq-100 ETF Fund of Fund - Direct Plan - Growth Invesco	Fund of Funds - Overseas	₹360,000	₹571,998	1.59×	+32.50%
31	Kotak US Specific Equity Passive FOF- Direct Plan - Growth Kotak	Fund of Funds - Overseas	₹360,000	₹571,965	1.59×	+32.50%
32	Aditya Birla Sun Life US Equity Passive FOF-Direct-Growth Aditya Birla Sun Life	Fund of Funds - Overseas	₹360,000	₹569,566	1.58×	+32.18%
33	HSBC Asia Pacific (Ex Japan) Dividend Yield Fund - Growth Direct HSBC	Fund of Funds - Overseas	₹360,000	₹569,440	1.58×	+32.16%
34	Axis NASDAQ 100 US Specific Equity Passive FOF - Direct Plan - Growth Axis	Fund of Funds - Overseas	₹360,000	₹566,964	1.57×	+31.83%
35	Kotak Global Emerging Market overseas Equity Omni FOF - Growth - Direct Kotak	Fund of Funds - Overseas	₹360,000	₹564,257	1.57×	+31.47%
36	Edelweiss Greater China Equity Off-shore Fund - Direct Plan - Growth Option Edelweiss	Fund of Funds - Overseas	₹360,000	₹562,170	1.56×	+31.19%
37	HDFC Defence Fund - Growth Option - Direct Plan HDFC	Sectoral/Thematic Fund	₹360,000	₹557,938	1.55×	+30.62%
38	DSP Global Clean Energy Overseas Equity Omni FoF Direct Plan - Growth DSP	Fund of Funds - Overseas	₹360,000	₹545,852	1.52×	+28.98%
39	Edelweiss Europe Dynamic Equity Offshore Fund - Growth Option - Direct Plan Edelweiss	Fund of Funds - Overseas	₹360,000	₹545,591	1.52×	+28.95%
40	Edelweiss US Technology Equity Fund of Fund- Direct Plan- Growth Edelweiss	Fund of Funds - Overseas	₹360,000	₹541,262	1.50×	+28.36%
41	Franklin Asian Equity Fund - Direct - Growth	Sectoral/Thematic Fund	₹360,000	₹540,939	1.50×	+28.31%
42	Mirae Asset Global Electric & Autonomous Vehicles Equity Passive FOF - Direct Plan - Growth Mirae Asset	Fund of Funds - Overseas	₹360,000	₹537,579	1.49×	+27.85%
43	HDFC Developed World Overseas Equity Passive FOF - Direct Plan - Growth Option HDFC	Fund of Funds - Overseas	₹360,000	₹537,304	1.49×	+27.81%
44	DSP Global Innovation Overseas Equity Omni FoF - Direct - Growth DSP	Fund of Funds - Overseas	₹360,000	₹537,240	1.49×	+27.80%
45	Navi Total Stock Market US Specific Equity Passive FoF- Direct Plan- Growth Navi	Fund of Funds - Overseas	₹360,000	₹536,065	1.49×	+27.64%
46	Motilal Oswal S&P 500 Index Fund - Direct Plan Growth Motilal Oswal	Index Fund	₹360,000	₹533,654	1.48×	+27.31%
47	SBI US Specific Equity Active FoF - Direct Plan - Growth SBI	Fund of Funds - Overseas	₹360,000	₹532,404	1.48×	+27.13%
48	Invesco India - Invesco Pan European Equity Fund of Fund - Direct Plan - Growth Option Invesco	Fund of Funds - Overseas	₹360,000	₹529,558	1.47×	+26.74%
49	Axis Greater China Equity Fund of Fund - Direct Plan - Growth Option Axis	Fund of Funds - Overseas	₹360,000	₹527,381	1.46×	+26.43%
50	Invesco India - Invesco Global Equity Income Fund of Fund - Direct Plan - Growth Invesco	Fund of Funds - Overseas	₹360,000	₹522,381	1.45×	+25.73%

What this list does (and doesn't) show

Each row is a backwards-looking simulation: a fixed ₹10,000 invested every month at the prevailing NAV, accumulating units, then valued at today's NAV. XIRR is the annualised internal rate of return on the resulting cash flow.

A fund at the top of this list was a great wealth creator. It does not guarantee future returns. Sectoral and thematic funds (gold, Nasdaq, Indian PSU) dominate the top of short windows because of one-off mega-rallies — typically a sign of high volatility rather than a steady ride. Look at the most-consistent list for the opposite angle.

How the math is split-adjusted

Some funds have had unit consolidation events that look like 10× returns in the raw NAV data but were actually a no-op for the investor (units halved, NAV doubled, or some other clean ratio). We detect these events and adjust the historical NAV series so the SIP simulation produces the number a real investor's portfolio would have shown. See the splits log for the full list of affected funds.